Temporary Subrogation Claim Representative II

It’s a great time to join AAA The Auto Club Group! 

JOIN THE TEAM COMMITTED TO DRIVING YOUR CAREER FORWARD

Job Type:

Job Description:

This is a six-month temporary work assignment. Successful candidates may have conversion opportunities into a full-time position depending on performance and position availability.

Temporary Subrogation Claim Representative II - AAA Auto Club Group

Reports to: Claim Manager as appropriate

What you will do:

Work under normal supervision with an intermediate-level approval authority to handle moderately complex claims within Claim Handling Standards in the field or inside units.  Resolve coverage questions, take statements and establish clear evaluation and resolution plans for claims.

Claim handling responsibilities will include the following: reviewing assigned claims, contacting the insured and other affected parties, setting expectations for the remainder of the claim, and initiating documentation in the claim handling system.   Complete coverage analysis including a review of policy coverages and provisions, and the applicability to the reported loss. Ensure all possible policyholder benefits are identified, create additional sub-claims if needed or refer complex claims to management or the appropriate claim handler.  Complete an investigation of the facts regarding the claim to further and in more detail determine if the claim should be paid, the applicable limits or exclusions and possible recovery potential. Conduct thorough reviews of damages and determine the applicability of state law and other factors related to the claim. Evaluate the financial value of the loss. Approve payments for the appropriate parties accordingly.  Refer claims to other company units when necessary (e.g., Underwriting, Recovery Units or Claims Special Investigation Unit).  Thoroughly document and/or code the claim file and complete all claim closure and related activities in the assigned claims management system.   Utilize strong negotiating skills.

Supervisory Responsibilities:

None

How you will benefit:

• A competitive annual salary between $XX,XXX-$XX,XXX.

Required Qualifications (these are the minimum requirements to qualify)

Education:

• Complete ACG Claim Representative Training Program or demonstrate equivalent knowledge or experience

• In states where an Adjuster’s license is required, the candidate must be eligible to acquire a State Adjuster’s license within 90 days of hire and maintain as specified for appropriate states.

• A valid driver's license is required if the primary responsibilities of the role involve conducting in-person inspections or frequent in-person meetings with members.

Experience:

• One year of experience with:

• negotiating claim settlements

• securing and evaluating evidence

• preparing manual and electronic estimates

• subrogation claims

• resolving coverage questions

• taking statements

• establishing clear evaluation and resolution plans for claims

Knowledge and Skills:

Knowledge of:

• Essential Insurance Act (Michigan)

• Fair Trade Practices Act as it relates to claims

• subrogation procedures and processes

• intercompany arbitration

• Claim investigation and liability determination across multiple lines of business, including Auto, Property, and Casualty.

• State negligence laws and statutes across all states within the current operating footprint

• Subrogation principles and requirements to determine recoverability.

• Claims processes, documentation standards, and referral workflows.

Ability to:

• handle claims to the line Claim Handling Standards

• follow and apply ACG Claim policies, procedures and guidelines

• work within assigned ACG Claim systems including basic PC software

• perform basic claim file review and investigations

• demonstrate effective communication skills (verbal and written)

• demonstrate customer service skills by building and maintaining relationships with insureds/claimants while exhibiting understanding of their problems and responding to questions and concerns

• analyze and solve problems while demonstrating sound decision making skills

• prioritize claim related functions

• process time sensitive data and information from multiple sources

• manage time, organize and plan workload and responsibilities

• safely operate a motor vehicle in order to visit repair facilities, homes (for inspections), patients, etc.

• research analyze and interpret subrogation laws in various states

• travel outside of assigned territory which may involve overnight stay

• relocate, work evenings or weekends

• strong negotiating skills

• Analyze claim details, including FNOLs, claim notes, and police reports, to determine the liable party.

• Research state‑specific negligence laws to assess subrogation viability.

• Navigate and work efficiently across multiple claims systems and platforms, including FACTS, CPS, IPM, WINS, and SPI.

• Strong organizational and time‑management skills to manage high‑volume workloads across multiple companies.

• Multitask effectively while maintaining accuracy and consistency in claim triage and referral decisions.

• Work efficiently to ensure timely processing and assignment of incoming claims.

• Work collaboratively in a team environment, including providing coverage and coordination with peers to ensure uninterrupted claim triage.

• Prioritize and manage competing demands to support timely and accurate claim handling.

• Maintain focus and accuracy in a fast‑paced, high‑volume environment.

• Adapt to process changes and evolving system requirements while maintaining service standards.

Preferred Qualifications:

Preferred Experience:

• Prior claims experience is preferred

Work Environment:

This position is currently able to work remotely from a home office location for day-to-day operations unless occasional travel for meetings, collaborative activities, or team building activities is specified by leadership. This is subject to change based on amendments and/or modifications to the ACG Flex Work policy.

Who We Are

Become a part of something bigger.

The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.

By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life’s journey through insurance, travel, financial services, and roadside assistance.

And when you join our team, one of the first things you’ll notice is that same, whole-hearted, enthusiastic advocacy for each other.

We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.

To learn more about AAA The Auto Club Group visit www.aaa.com

Important Note:

ACG’s Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.  

The above statements describe the principal and essential functions, but not all functions that may be inherent in the job.  This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements.  Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.

The Auto Club Group, and all its affiliated companies, is an equal opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.

Regular and reliable attendance is essential for the function of this job.

AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.